Specialist help for UK and international buyers financing property in France

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French Finance - Mortgages for France
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Calculators

French mortgage repayment calculator

Monthly repayments on a fixed-rate French mortgage in euros, with an estimate in your own currency and the interest paid each year.

Starts at the latest market average, not an offer.
French rules allow up to 25 in most cases.
An assumption. Use your quote if you have one.
For an estimate in your own currency. Check today’s rate.

Your repayments

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Year by year

Interest and capital paid each year, excluding insurance
YearInterestCapital repaidBalance at year end

Things to know about French repayments

Almost all French home loans are fixed for the whole term, so the capital and interest payment stays the same from the first month to the last. The Banque de France reported that 99.4% of new home loans in July 2026 were fixed rate. Borrower insurance is paid on top and counts towards the 35% limit on your repayments.

Your repayments are in euros. If your income is in another currency, the cost in that currency moves with the exchange rate, which is why lenders apply a buffer to non-euro income and why many buyers set up regular transfers with a specialist currency transfer provider.

If you repay early, French law caps the charge at the lower of six months’ interest on the amount repaid and 3% of the capital outstanding. Our mortgage rates guide explains the exceptions.

Sources: Banque de France, July 2026 figures; economie.gouv.fr on early repayment. Starting rate from the Credit Logement/CSA average for 25-year loans in August 2026, excluding insurance.